Self-build mortgage. Build your dream home!

Self-build mortgages offer the advantage of tailored financing for constructing your dream home, providing flexibility, control over design, and potentially lower costs compared to purchasing a pre-built property. Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

How do I get started with my self-build mortgage?

Building a new house is an exciting milestone in one’s life, but it can also be rather stressful. A self-build mortgage is different from a regular mortgage in several key ways, primarily because it is designed to finance the construction of a new home rather than the purchase of an existing property. Here are the main differences between a self-build mortgage and a regular mortgage:

Getting a quote is the first step, as one of our expert award-winning advisors will contact you and guide you all the way. You can also download our Guide below which will help you familiarize yourself with the whole process and valuable tips.

Educating yourself about these concepts empowers you to make informed decisions and negotiate favourable terms with lenders. 

Deposit

For your first mortgage, you will require a minimum of a 10% deposit. You may be eligible for the HTB incentive of up to €30,000.

Application

You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.

Approval

Once your lender has approved your loan, you get an AIP (Approval In Principle) and you can make an offer on your new home.

The ultimate guide for First-Time Buyers.

Get instant access to a complete GUIDE that will save you the hassle and prepare you for a mortgage, providing a convenient checklist of essential documents and step-by-step instructions to help you secure your dream home. Don’t wait, download now!

Your journey towards your dream home starts here!

After you download your guide, one of our expert mortgage advisors will be in touch shortly to provide you with guidance and further relevant information including typical repayments, qualification amounts and mortgage requirements.

Start your journey today. Take the first step to achieve all your financial goals.

Meet our Team of Expert Advisors

How to apply for a self-build mortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Want to get started with your first mortgage? Need more advice?

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LowQuotes.ie
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Louise D.
Louise D.
I would 100% recommend to get insured through these. I was looking online, vague idea of what I Wanted and Colin from low quotes helped me understand so much, answered every question I had, listened to what I was looking for and set me up with the best quote, now I feel safe and secure in this decision that I made for my Family.
Response from the owner: Hey Louise,We’re delighted to hear about your positive experience with Colin. It’s great to know he helped you understand your options clearly and supported you every step of the way. Making sure you feel safe and secure in your decision is exactly what we aim for!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Megan A.
Megan A.
I was helped by a lovely representative named Shaneen just a moment ago over the phone. She was so helpful, I've been quite stressed about getting my health insurance set up here in Ireland and she made it so easy and explained everything in detail. Very happy and it was so quick! I greatly appreciate the help and she did a fantastic job. Thanks!
Response from the owner: Hey Megan,We’re delighted to hear about your positive experience with Shaneen. It’s great to know she was able to explain everything clearly and make the process quick and stress-free for you. We aim to make health insurance easy to understand and accessible, so your kind words really mean a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Kamil
Kamil
It was a pleasure to deal with Aoife M. Very kind and professional. The right person in the right place. 🙂
Response from the owner: Hey Kamil,We’re delighted to hear about your positive experience with Aoife M. It’s great to know she was kind, professional, and made the process smooth for you. We completely agree – she’s definitely the right person in the right place! :)If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Laura M.
Laura M.
I had an amazing service with lowquotes.ie for mortgage protection.Neil O’Brien assisted me from the start and I can’t speak highly enough about him. Such a gentleman & so helpful.Any questions were answered promptly and without hesitation. He went above & beyond to help me choose which policy was the right one for my needs and he followed up when I needed a document amended to make sure everything was received & to make sure I was happy with everything.Amazing customer service and everything very promptly addressed.I highly recommend using lowquotes.ieThanks again Neil for all your assistance, it is greatly appreciated!
Response from the owner: Hey Laura,We’re delighted to hear about your positive experience with Neil O’Brien. It’s great to know he was able to guide you through the mortgage protection process with such care and attention. At LowQuotes, we pride ourselves on making things as smooth and straightforward as possible, so your kind words mean a lot to us. We’ll be sure to pass along your lovely feedback to Neil!If you ever need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Ferhan T.
Ferhan T.
I can't recommend Aoife Morgan highly enough! She managed my mortgage protection insurance process with absolute professionalism, efficiency, and care. From start to finish, she made everything clear, smooth, and stress-free. Aoife went above and beyond to ensure I got the best cover for my needs, and her friendly, knowledgeable approach truly stood out. She’s simply the best!!! an absolute star in her field!
Response from the owner: Hey Ferhan,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to guide you through the mortgage protection process with such care and professionalism. We always aim to make everything as smooth and stress-free as possible, so your feedback really means a lot. Aoife is indeed a star, and we’ll be sure to pass along your kind words to her!If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Karan P.
Karan P.
Detailed explanation from Ross Irwin. Thank you.
Response from the owner: Hey Karan,We’re delighted to hear about your positive experience with Ross Irwin. It’s great to know he was able to explain everything clearly and provide the support you needed. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Hema Durga Anuroop D.
Hema Durga Anuroop D.
Ross was very helpful in providing a quote for our life insurance. Couldn’t be more happy with it.
Response from the owner: Hey Hema,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to assist you in finding the right life insurance quote and that you’re happy with the outcome. We always strive to make the process as clear and supportive as possible, so your feedback means a lot. If you need anything else down the line, feel free to get in touch!Best Regards,LowQuotes Team
Niall O H.
Niall O H.
Aoife Morgan was excellent and was so helpful. Thank You.
Response from the owner: Hey Niall,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was so helpful and made everything clear for you. We aim to make the process as smooth and supportive as possible, so your feedback really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Jessica B.
Jessica B.
Niamh was an absolute pleasure to deal with. She kept us up to date with everything to do with our application and made sure that we were doing everything needed on our end so as not to delay anything on our end. Her knowledge and expertise were obvious and she kept us calm throughout the process.
Response from the owner: Hey Jessica,We’re delighted to hear about your positive experience with Niamh. It’s great to know she kept you informed every step of the way and helped make the process smooth and stress-free. Her dedication and expertise truly make a difference, and we’re so pleased to hear she could support you so well. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Shauna M.
Shauna M.
Myself and my husband had the pleasure of working with Ross when we were altering our life insurance policies. He was very flexible with our schedules when offering us a call back and was very open and honest in his advising of the best policy to suit us. There was no question left unanswered and we feel a sense of relief knowing we are all set up. He was the absolute dream to work with and he’s definitely an asset to LowQuotes. Somebody give that man a raise!
Response from the owner: Hey Shauna,We’re delighted to hear about your positive experience with Ross. It’s great to know he was flexible, honest, and thorough in helping you and your husband with your life insurance policies. We’re so glad you felt supported and confident throughout the process—that peace of mind is exactly what we aim for! We’ll be sure to pass along your lovely words to Ross (and your raise suggestion too!).If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Denise A.
Denise A.
Aoife Morgan was a pleasure to deal with in LowaQuotes.ie. She was extremely efficient and dealt with our queries in a timely fashion.
Response from the owner: Hey Denise,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was efficient and responsive in handling your queries. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
OON 1.
OON 1.
I had the pleasure of Dealing with Neil and what a gentleman he is and so patient with all my questions. He didn’t make me feel like I was annoying although I probably was ! 🙈 his knowledge and advice was much appreciated and will definitely be recommending to family and friends. 🌻
Response from the owner: Hey OON 1981,We’re delighted to hear about your positive experience with Neil. It’s great to know he was patient, knowledgeable, and made you feel comfortable throughout the process. We aim to make things as clear and stress-free as possible, so your kind words mean a lot! Thanks for the recommendation—if you or your loved ones ever need anything, we’re just a message away.Best Regards,LowQuotes Team
colin R.
colin R.
We can't thank Tiernan enough he has gone above and beyond for us. He made the process so quick and easy for us even through the most stressful parts. He is very quick with communication and if there are any issues or problems he is fixing it immediately. So glad to have worked with him and have passed his details to many colleagues at work.
Response from the owner: Hey Colin,We’re delighted to hear about your positive experience with Tiernan. It’s great to know he went above and beyond to make the process quick and easy, even during the stressful parts. We really appreciate the trust you’ve shown in recommending him to your colleagues—it means a lot! If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Bilal A.
Bilal A.
Aoife Morgan thank you for all the special service you give. It's nice to know that you care, I got a better price and better service for my insurance needs, I enjoyed dealing with you on my insurance.
Response from the owner: Hey Bilal,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to offer you better value and service for your insurance needs. We always aim to make the process as smooth and personal as possible, so your kind words mean a lot! If you ever need assistance again, we’re here to help.Best Regards,LowQuotes Team.
susan T.
susan T.
Rachel Fennin was very nice, and very helpful in helping me choose my plan ...overall excellent customer service 👏
Response from the owner: Hey Susan,We’re delighted to hear about your positive experience with Rachel Fennin. It’s great to know she was helpful and guided you through choosing the right plan. We’re all about delivering excellent customer service, so your feedback means a lot! If you have any questions down the line, feel free to reach out.Best Regards,LowQuotes Team.
Sinead O B.
Sinead O B.
Shaun was extremely good at going through my options and helping me pick a plan that suits my family. I will definitely be reassuring my other policies with LowQuotes
Response from the owner: Hey Sinead,We’re delighted to hear about your positive experience with Shaun. It’s great to know he guided you through your options and helped you choose a plan that suits your family. Thanks so much for your continued trust—we’re glad to support you with your other policies too!Best Regards,LowQuotes Team.
Dean M.
Dean M.
Sinead and I recently got our mortgage through Lowquotes.ie, and to say we are grateful is an understatement. Bernadine was just amazing from start to finish and left no stone unturned. She was with us every step of the way and made sure we were well-informed, helping us with all the paperwork that was needed and guiding us in the right direction whenever necessary. It was a pleasure dealing with Bernadine and Lowquotes, a company that is the best in the business. Thank you.I would recommend using Lowquotes.ie for your mortgage or any insurance queries.
Response from the owner: Hey Dean,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide you and Sinead through the entire mortgage process and provide the support you needed every step of the way. We aim to make everything as smooth and stress-free as possible, so your kind words truly mean a lot!If you ever need assistance with anything else – from mortgages to protection or insurance – we’re just a message away.Best Regards,LowQuotes Team
Rabiat M.
Rabiat M.
Bernadine turned what once felt impossible into a beautiful reality. Her expertise, dedication, and passion for her work truly set her apart. It’s clear she genuinely loves what she does, and it reflects in every step she took with us. Thanks to her unwavering support and professionalism, we now have a place we can proudly call home. She didn’t just help us find a house, she helped us begin a new chapter.
Response from the owner: Hey Rabiat,We’re delighted to hear about your wonderful experience with Bernadine. It’s amazing to know that her dedication and support helped turn things around and made the journey to your new home such a positive one. We’re so glad she could be part of this important chapter in your life. Your kind words mean a lot to us! If you ever need anything else in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Megan C.
Megan C.
Highly recommend Low Quotes Conor and Courtney could not have been more helpful in supporting myself and my partner to get life insurance for our mortgage. They went above and beyond to get it over the line in a very timely manner to ensure we could close on our original date!!
Response from the owner: Hey Megan,We’re delighted to hear about your positive experience with Conor and Courtney. It’s great to know they were able to support you and your partner through the life insurance process and go above and beyond to ensure everything was sorted in time for your mortgage closing. We aim to make the journey as smooth and stress-free as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Kallamm M.
Kallamm M.
I could not recommend Ross enough for the help and professionalism he demonstrated when helping my partner and I get life cover. He explained each step in great detail and was really easy to get on with. Ross was able to suit any calls into my schedule which was a big help.
Response from the owner: Hey Kallamm,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and work around your schedule to help you and your partner secure life cover. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
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Your Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI is your Loan to Income rate, generally you are allowed to borrow 3.5x your annual income before tax. Some exceptions may apply.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

Warning: You may lose your home if you do not keep your repayments.

Warning: The cost of your monthly repayments may increase. 

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, limiting your ability to access credit in the future. 

Warning: The entire amount you have borrowed will still be outstanding at the end of the interest-only period. The lender may adjust the payment rates on this housing loan from time to time. (Applies to variable-rate loans only).

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.